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Appetite Guide forCommercial InsuranceLansing Branch OfficeP.O. Box 30546Lansing, MI 48909Phone 800.292.1320Underwriting FAX 888.992.5144www.emcins.comMK8590 E

Appetite Guide for Commercial InsuranceThe EMC Appetite Guide is designed to provide a tool for our Independent Insurance Agents to evaluate EMC InsuranceCompanies appetite for various classifications of risk. Our appetite is based on past experience and classification expertise,and is wide ranging. While using this Guide, remember that no two risks are exactly alike, and that individual risks may bebetter or worse than the norm of the classification involved. Because of individual risk variations within classes, accountswith unacceptable grades may be approved with appropriate justification, while accounts with acceptable grading may not.All potential policyholders must meet EMC Insurance Companies minimum underwriting requirements to be considered.Following are color coded grading numbers, with explanations to indicate the degree of desirability of theoccupancy/operation to EMC:1 - Preferred: A desirable class of business, barring unusual conditions not typical of the occupancy/operation and subjectto normal underwriting requirements.2 – Desirable:D i blA desirabled i bl classloff business,b ib t hasbuthconditionsditior speciali l hazardshd requiringiith t thethatth riski k mustt showhcontrols over. Must meet underwriters approval.3 – Eligible with Proper Characteristics: A marginal class of business, must be better than average in its class to beconsidered and be supported by account or agency reasons. Management approval is required.4 – Typically Ineligible:philosophy.Considered extremely hazardous, class is not compatible with EMC Insurance Companies" – " The line of business is more properly classified by a different class, the products/completed operations exposure isanticipated within the Premises Operations classification, or there is no exposure for that line of business.For questions regarding this guide, contact your EMC Insurance Companies underwriter or marketing representative.

EMC Appetite Guide For Commercial LinesThis is a guide. Individual risk characteristics still apply1 Preferred2 Desireable3 Eligible with Proper Characteristics4 Typically IneligibleRisk IdentifierAbrasive Wheel ManufacturingAbrasives Or Abrasive Products ManufacturingAbrasives Or Abrasive Products Manufacturing – ArtificialAccounting ServicesAdhesive ManufacturingAdhesive Tape ManufacturingAdult Day Care – Not For ProfitAdult Day Care – For ProfitAdvertising And Related ServicesAdvertising Sign Companies – OutdoorAerosol Container ManufacturingAerosol Containers – Filling Or Charging For OthersAir Conditioning Equipment ManufacturingAir Conditioning Equipment – Dealers Or Distributors OnlyAir Cond System Or Equip Dealers Or Distribution And Install Service/RepairAircraft or Aircraft Parts ManufacturingAirports – CommercialAirports – PrivateAirport Runway Or Warning Apron – Paving Or Repaving, SurfacingAir Transportation CompaniesAlarm Manufacturing – BurglarAlarm Manufacturing – Fire Or SmokeAlarms And Alarm Systems – Installation, Servicing Or RepairAlarms – Security Systems – MonitoringAlcohol Manufacturing – Not BeverageAmbulance Service, First Aid Or Rescue Squads – Not For Profit OnlyAmbulance Service, First Aid Or Rescue Squads – Other Than Not For ProfitAmusement CentersAmusement Devices NOCAmusement Devices Oper In Conn W/Carnivals And FairsAmusement ParksAnalytical ChemistsAnhydrous Ammonia Dealers And DistributorsAnimal MortalityAntique StoresApartment BuildingsAppliance And Accessories Manufacturing – Commercial – GasAppliance And Accessories Manufacturing – Commercial – Not GasAppliance And Accessories Manufacturing – Household – GasYou may see an overall grade which indicates the acceptability of the class with aparticular line which is not acceptable. Often this is the work comp. This would indicatewe can write everything but that line highlighted in 222231113333232222211133111Page 122114112433Comments

EMC Appetite Guide For Commercial LinesThis is a guide. Individual risk characteristics still apply1 Preferred2 Desireable3 Eligible with Proper Characteristics4 Typically IneligibleRisk IdentifierAppliance And Accessories Manufacturing – Household – Not GasAppliance And Accessories Installation, Servicing, Or Repair CommercialAppliance And Accessories Installation, Servicing, Or Repair HouseholdAppliance Distributors – Household TypeAppliance Distributors – Household Type – Radio TV or CD PlayersAppliance Stores – Household TypeArchery Ranges – NOCArmored Car Service CompaniesArmories – Government OwnedArmy And Navy StoresArt Galleries – Not For Profit OnlyArt Galleries – Other Than Not For ProfitAsbestos Goods ManufacturingAsphalt Or Tar Distilling Or RefiningAsphalt WorksAthletic Games Sponsored By The Insured Not For Profit OnlyAthletic Games Sponsored By The Insured Other Than Not For ProfitAuctioneers – Livestock Sales Conducted Away from Insd PremisesAuctioneers – Sales Conducted Away from Insd PremisesAuctions – On Premises Owned Or Rented By The InsuredAutomobile Body ShopsAutomobile, Bus And Truck Body ManufacturingAutomobile, Bus Or Truck Parts Manufacturing Brakes or Brake liningAutomobile, Bus Or Truck Parts Manufacturing No Operating PartsAutomobile, Bus Or Truck Parts Manufacturing Operating PartsAutomobile, Bus Or Truck Parts Manufacturing – Passenger Restraining DeviseAutomobile Dealers (Franchised Only)Automobile DismantlingAutomobile Manufacturing Or AssemblingAutomobile Parts And Supplies DistributorsAutomobile Parts And Supplies StoresAutomobile Quick Lube ServiceAutomobile Renting Or Leasing CompaniesAutomobile Repair Or Service Shops NocAutomobile Repair Shops – Self-ServiceBaby Food Manufacturing – NOCBaby Food Manufacturing – In Glass ContainersBakeriesBakery PlantsYou may see an overall grade which indicates the acceptability of the class with aparticular line which is not acceptable. Often this is the work comp. This would indicatewe can write everything but that line highlighted in L11111244322433343222332223331224233311Page 1222232CommentsBatch plant not acceptableBatch plant not acceptableApproved spray booth; no more than 12 vehicle sales per year

EMC Appetite Guide For Commercial LinesThis is a guide. Individual risk characteristics still apply1 Preferred2 Desireable3 Eligible with Proper Characteristics4 Typically IneligibleRisk IdentifierBarber Or Beauty Shop Supplies DistributorsBarber ShopsBars And TavernsBattery Manufacturing – Dry CellBattery Manufacturing – Wet Cell Or StorageBazaars Operated By Insd Not For Profit OnlyBazaars Operated By Insd Other Than Not For ProfitBeach Chairs And Umbrellas Rented To OthersBeaches – Bathing – Commercially OperatedBeaches – Bathing – Not Commercially OperatedBearing ManufacturingBeauty Parlors And Hair Styling SalonsBeer, Ale Or Malt Liquor Manufacturing In BottlesBeer, Ale Or Malt Liquor Manufacturing In CansBeer, Ale Or Malt Liquor Manufacturing Not Bottled or CannedBeverage Bottler – Soft Drinks – Carbonated in Cans/Plastic BottlesBeverage Bottler – Soft Drinks – Carbonated In Glass BottlesBeverage Bottler – Soft Drinks – In Metal CylindersBeverage Bottler – Soft Drinks – In Paper ContainersBeverage Bottler – Soft Drinks – Not Carbonated In Bottles Or CansBeverage Distributors – Alcoholic Other Than BeerBeverage Distributors Nonalcoholic And BeerBeverage Stores – Liquor And WineBeverage Stores – Soft Drinks And BeerBicycle Manufacturing – Not MotorizedBicycle Stores – Sales And ServicingBicycles – Rented To OthersBilliard Or Pool HallsBilliard Or Pool Table ManufacturingBingo Games – In Public Halls Or Theaters – Commercially OperatedBlacksmithingBlasting OperationsBlood BanksBoarding Or Rooming HousesBoat Or Ship BuildingBoat Dealers (Franchised Only)Boat Repair And ServicingBoat Storage And MoorageBoat Yards Or Marinas – PublicYou may see an overall grade which indicates the acceptability of the class with aparticular line which is not acceptable. Often this is the work comp. This would indicatewe can write everything but that line highlighted in L114333334322222222222222323423344443234Page 3CommentsNo restaurant operationsNo restaurant operationsNo restaurant operationsNo liquor legalNo liquor legal

EMC Appetite Guide For Commercial LinesThis is a guide. Individual risk characteristics still apply1 Preferred2 Desireable3 Eligible with Proper Characteristics4 Typically IneligibleRisk IdentifierBoats – Canoes Or Rowboats For Rent Not Equipped With MotorsBoats – Canoes Or Rowboats Not For Rent Not Equipped With MotorsBoats – Motor Or Sail – Not For RentBoats – Motor Or Sail – Rented To OthersBoats – Nonowned Over 26 FeetBoats – Not For Rent NOCBoats – Rented To Others NOCBoiler Inspection, Installation, Cleaning Or RepairBolt, Nut, Rivet, Screw Or Washer ManufacturingBookbinding And Printers SuppliesBookbinding – Not For Profit OnlyBookbinding – Other Than Not For ProfitBook DistributorsBookkeeping ServicesBook And Magazines Stores Not For Profit OnlyBook And Magazines Stores Other Than Not For ProfitBottle And Jar Manufacturing – Glass – Not For Use Under PressureBottle And Jar Manufacturing – Plastic – NonreturnableBottle And Jar Manufacturing – Plastic – ReturnableBowling LanesBoxes Or Containers Manufacturing – Corrugated Or FiberboardBoxes Or Containers Manufacturing – WoodBoy Or Girl Scout Councils (Not Camps)Bottle And Jar Manufacturing – Glass – For Use Under Pressure NonreturnableBottle And Jar Manufacturing – Glass – For Use Under Pressure ReturnableBrick ManufacturingBridge Or Elevated Highway ConstructionBrush Or Broom ManufacturingBuilder's Risk for insured contractorsBuilding Material Dealers (Minimal Lumber For Property)Building Material Dealers – Other Than Secondhand MaterialBuilding Material Dealers – Secondhand MaterialBuilding Material Distributors (Minimal Lumber For Property)Building Structure – Raising Or MovingBuildings Or Premises – BankBuilding or Premises – Office Not for Profit OnlyBuilding or Premises – Other than Not for ProfitBuildings Or Premises – Bank Or Office Mercant/ Manufacturing Lessor's Risk NFPBuildings Or Premises – Bank Or Office Mercant/Mfg Less Risk Other than NFPYou may see an overall grade which indicates the acceptability of the class with aparticular line which is not acceptable. Often this is the work comp. This would indicatewe can write everything but that line highlighted in L43343443122222321114113111412231432222Page 422222PROP22122111123343312223322424111-Comments

EMC Appetite Guide For Commercial LinesThis is a guide. Individual risk characteristics still apply1 Preferred2 Desireable3 Eligible with Proper Characteristics4 Typically IneligibleRisk IdentifierBldgs Or Prem – Bank/Office Mercant/ Manufacturing Maintained By Insured NFPBldgs Or Prem – Bank/Office Mercant/Mfg Maintained By Insured Other than NFPBldgs Or Prem Office Prem Occ By Emp Of Insured Not For Profit OnlyBldgs Or Prem Office Prem Occ By Emp Of Insured Other Than Not For ProfitBus Manufacturing Or Assembling Or ReconstructionBus Stations Or TerminalsBus Transportation Companies – Passenger And CommuterBus Transportation Companies – Scenic And SightseeingBusiness Services – NOC (except personal care)Buttons Or Fasteners ManufacturingCable Installation In Conduits Or SubwaysCable or Subscription Television CompaniesCaisson or Cofferdam WorkCamera And Photographic Equipment StoresCamper Bodies or Camper Trailers ManufacturingCamper or Trailer Sales AgenciesCampers Manufacturing Self-PoweredCampgroundsCampsCan Manufacturing MetalCandle ManufacturingCandy Or Confectionery Products ManufacturingCandy Or Confectionery StoresCar WashesCar Washes – Self ServiceCarnival Or Circus CompaniesCarpentry Construction Of Residential Prop Not Exceeding 3 StoriesCarpentry NOC – No GeneralsCarpentry – InteriorCarpentry – Shop OnlyCarpet Or Rug ManufacturingCarpet, Rug, Or Furniture Or Upholstery Cleaning On Customers PremisesCarpet, Rug Or Upholstery Cleaning – Shop OnlyCaterersCaulking Compounds, Putty Or Similar Products ManufacturingCaves – Tourists AttractionCeiling Or Wall Installation – MetalCellophane And Cellophane Products ManufacturingCement, Concrete Mix or Plaster Manufacturing PackagedYou may see an overall grade which indicates the acceptability of the class with aparticular line which is not acceptable. Often this is the work comp. This would indicatewe can write everything but that line highlighted in L222233122414243411123241111121214222Page mmentsSubs must be less than 25%

EMC Appetite Guide For Commercial LinesThis is a guide. Individual risk characteristics still apply1 Preferred2 Desireable3 Eligible with Proper Characteristics4 Typically IneligibleRisk IdentifierCement or Plaster Manufacturing BulkCemeteries – Not For Profit OnlyCemeteries – Other Than Not For ProfitCharcoal Or Coal Briquette ManufacturingChemical Distributors – dependant on the chemicalChemical Manufacturing – Commercial Or IndustrialChemical Manufacturing – HouseholdChildren's Play Centers – IndoorsChimney CleaningChina, Porcelain Or Earthenware ManufacturingChurches Or Other Houses For WorshipClay Or Shale DiggingClay Products ManufacturingCleaning Outside Surfaces Of Buildings15 ft or lessClock ManufacturingClothing ManufacturingClothing or Wearing Apparel DistributorsClothing Or Wearing Apparel Stores Not For Profit OnlyClothing Or Wearing Apparel Stores Other Than Not For ProfitClub – Civic, Service Or Social Having Buildings Or Prem OwnedClub – Civic, Service Or Social No Buildings Except For OfficeClubs – Country And GolfClubs – Horseback Riding – No Commercial Riding InstructionsClubs – Racket Sports And HandballClubs – SwimmingCoffins Or Caskets ManufacturingCoke ManufacturingCollectibles And Memorabilia StoresCollection Agencies – No PI or door to doorColor Or Pigment PreparationCommissary WorkCommodity Brokers And DealersCommodity ExchangesCommunication Equipment Installation – Industrial And CommercialCommunication Or Recording Systems Or Equipment ManufacturingCommunication Or Recording Systems Or Equipment Manufacturing Ind And CommercialCommunity Recreational Facilities – Not Operated By A Government AgencyComposition Goods Manufacturing – Not Floor CoveringsComputer Consulting Or ProgrammingYou may see an overall grade which indicates the acceptability of the class with aparticular line which is not acceptable. Often this is the work comp. This would indicatewe can write everything but that line highlighted in L222134443123221113222343311232233111314Page omments

EMC Appetite Guide For Commercial LinesThis is a guide. Individual risk characteristics still apply1 Preferred2 Desireable3 Eligible with Proper Characteristics4 Typically IneligibleRisk IdentifierComputer Data Processing OperationsComputer Data Processing TimesharingComputer ManufacturingComputer Service Or RepairComputer Software Manufacturing – PrepackedComputer StoresConcessionairesConcessionaires – Check Room, Shoeshine, Or Toilet Con Hotels/RestConcrete ConstructionConcrete – Mixed In TransitConcrete Or Cement Distribution Towers Rented To Others Inst/RepairConcrete Or Plaster Products Manufacturing – Not StructuralConcrete Products Manufacturing – PrestressedConcrete Products Manufacturing – StructuralCondos – Commerciall Bank Or Mercantile, Manufacturing Or Office (Assoc Risk)Condominiums – Commercial Shopping Centers (Assoc Risk Only)Condominiums – Commercial Warehouses Manufacturing Or Private (Assoc Risk Only)Condominiums – Residential – (Association Risk Only)Conduit Construction For Cables Or WiresConsultants – NOC ConsultantsContact Lens ManufacturingContractors Noc–No GeneralsContractors Equip Dealers – Ladders Excl Hoists, Scaffolds Or TowersContractors Permanent Yards – Maintenance Or Storage Equip/MaterialConvenience Food StoresConvenience Food/Gasoline Stores – Full ServiceConvenience Food/Gasoline Stores – Self ServiceConvenience Food/Gasoline Stores – Self And Full Service CombinedConvenience Store Without Cooking ExposureConvenience Store With A Cooking ExposureConventions (Sponsor's Risk Only) Not For Profit OnlyConventions (Sponsor's Risk Only) Other Than Not For ProfitConvents Or MonasteriesCopying And Duplicating Services – RentalCosmetic, Hair Or Skin Preparation StoresCosmetics ManufacturingCotton Batting, Wadding Or Waste ManufacturingCotton Or Wool MerchantsCredit Reporting Agencies – No PIYou may see an overall grade which indicates the acceptability of the class with aparticular line which is not acceptable. Often this is the work comp. This would indicatewe can write everything but that line highlighted in L444444323231111223233242233333334222322Page 113331Comments

EMC Appetite Guide For Commercial LinesThis is a guide. Individual risk characteristics still apply1 Preferred2 Desireable3 Eligible with Proper Characteristics4 Typically IneligibleRisk IdentifierCrematories – Not For Profit OnlyCrematories – Other Than Not For ProfitCrop Spraying – By ContractorsCutlery (Not Powered) And Flatware ManufacturingDairy Products MfgDairy Products Or Butter And Egg Stores – Not For Profit OnlyDairy Products Or Butter And Egg Stores – Other Than Not For ProfitDam, Levee Or Dike – Existence Hazard OnlyDam Or Reservoir ConstructionDance Halls Or Ballrooms – Not For Profit OnlyDance Halls Or Ballrooms – Other Than Not For ProfitDance Halls Or BallroomsDay Care Centers – Not for Profit OnlyDay Care Centers – Not in HomeDebris Removal – Construction SiteDelicatessensDental Laboratories – No Professional LiabilityDepartment Or Discount StoresDetective Or Investigative Agencies – PrivateDetergent Manufacturing – HouseholdDetergent ManufacturingDextrine ManufacturingDiagnostic Testing LaboratoriesDie Casting ManufacturingDike, Levee Or Revetment ConstructionDistillation Or ExtractionDistributors – Food Or DrinkDistributors – No Food Or DrinkDiving – MarineDock Operations – Coal, Grain Or OreDoor Or Window Manufacturing – MetalDoor Or Window Manufacturing – WoodDoor, Window Or Assemble Millwork – Installation MetalDraftsmenDrawbridges – Existence Hazard OnlyDredgingDrillingDrilling – WaterDriveway, Parking Area Or Sidewalk – Paving Or Repaving***You may see an overall grade which indicates the acceptability of the class with aparticular line which is not acceptable. Often this is the work comp. This would indicatewe can write everything but that line highlighted in L224222243344443222422221322244111144432Page 8P/CO3322444